Reply Hey Mom! Learn more about the Gerber Life Insurance Grow-Up Plan!
Thread Tools Display Modes
Old 12-28-2012, 10:04 AM   #11
AcrossTheUniverse's Avatar
Registered Users
Formerly: ReiSapphireJade
Join Date: Feb 2007
Location: Arizona!
Posts: 5,026
My Mood:
Re: can you share your envelope system!

Double post!


Heather, wife to James & mommy to:
Jaden (8.06), Mara (8.07), Fenn (5.09),
Elias (7.10), & Levi (11.11) 80lbs lost!
*i* Loved and Lost (6/12), (9/12), & (2/13) *i*

Last edited by AcrossTheUniverse; 12-28-2012 at 10:10 AM.
AcrossTheUniverse is offline   Reply With Quote
Old 12-28-2012, 10:31 AM   #12
Registered Users
Join Date: Nov 2007
Posts: 1,641
My Mood:
Re: can you share your envelope system!

We use an all cash system, and I love it! I have one of those coupon organizers that goes in my purse. DH gets paid once a month so I do carry around a lot of cash (especially at the first of the month!) but it doesn't bother me.
Our catagories are:
Eat out
Free money
All of our other bills are paid online or by check, and things like taxes and insurance money are on an auto transfer to a savings account.
Married to my best friend, and blessed to be a mama to 3 kiddos and expecting a new blessing in April
new_mommy78 is offline   Reply With Quote
Old 12-28-2012, 11:29 AM   #13
Fishie Kisses's Avatar
Fishie Kisses
Registered Users
Join Date: Dec 2006
Location: SJV, CA
Posts: 17,654
My Mood:
Re: can you share your envelope system!

I will be following this thread! The prospect of trying to set it up is beyond overwhelming right now because we have basically zero income. But we're both working HARD on that and I have faith that it will work out soon. I plan to implement DR and a cash system in 2013!!
Tashauna~~proud wife to my trained boo-boo fixer and mama to 4 boys on earth (Jordan-01/15/08, Logan-12/16/09, Connor-05/17/11)...and finally our rainbow Jackson (11/24/13)! and two in heaven ^i^ (10wks-11/12 and 4 weeks 2/13)
Try SWAGBUCKS and get paid!! I've earned over $1000 just since Jan 1, 2013!!!
Fishie Kisses is offline   Reply With Quote
Old 12-29-2012, 10:10 PM   #14
Registered Users
Join Date: Dec 2012
Location: Illinois
Posts: 33
My Mood:
Re: can you share your envelope system!

Working on setting up an envelope system for us as well. This will be very helpful !!!
NutMeg4189 is offline   Reply With Quote
Old 01-10-2013, 11:51 PM   #15
txnmomma's Avatar
Registered Users
Join Date: Apr 2006
Location: Texas
Posts: 196
My Mood:
Re: can you share your envelope system!

We have been using the envelope system since October. We used to use all the time but in the last year we got away from it. So we are back on track and doing alot better. This month we will be adding more envelopes as we see a need for other things to keep separate in our budget. My dh gets paid every other week [ every 2 weeks] so I put out $$ for those 2 weeks.

So far, we have these envelopes.
Petty Cash -
Food $200 - $100 each week on groceries - any extra $ goes to the petty case envelope
gas $100 - $50 each week for our cars [$25 mine - $25 DH]
postal box rent $6 -$3 week a for our PO box rent
DH lunches @ work $80 - $40 each week for his lunch money
kid allowance $20 - $10 each child --[ $20 each month per child ]
savings 5% of his paycheck - we transfer 5% of his check into our savings. We make sure we pay ourselves into our savings.

I am wanting to create another envelopes for toiletries and TP, napkins, papertowels, cleaning supplies.. another envelope for car mainten/ repairs and also another envelope for clothing.
Wendy..Homeschooling Mama to DD~12 & DS~9

txnmomma is offline   Reply With Quote
Old 01-11-2013, 07:23 AM   #16
amiecheatham's Avatar
Registered Users
Join Date: Feb 2011
Location: Charleston, SC
Posts: 1,612
Re: can you share your envelope system!

We use the little envelope book that came with our Dave Ramsey class, but there are some cute ones on etsy if you want something like that. I make our budget ahead every month and these are my categories: Savings, Housing, Utilities (this includes our phone bill), Food, Transportation (this is car payment, insurance and gas, no maintenance), Clothing/Miscellaneous, Medical, Netflix, Tobacco (my husband dips. ugh.), and "Blow" which doubles as our entertainment budget.

We get two paycheck a month but it isn't realistic for us to pay half of the bills one paycheck and half the other because different things are due different days. Before the month starts I've already made my spreadsheet with how much is going in each category, but then I sit down and list out which paycheck pays for what, depending on where it falls in the month. Right now we don't have any sinking funds for "extras" because we are throwing every last extra penny in savings/debt reduction. If I know I'm going to a baby shower and need to buy a gift I put a line in the budget for that. We have a rule that if it isn't in the budget, we don't buy it.

We do everything in cash except for the car insurance, netflix, and savings.
Amie. Wife to Brook and Mama to my Jedi Ninja Girl, Sarah Jane
and my handsome devil, Carver.
Check out my Newborn Diaper and Baby Clothes De-stash!
amiecheatham is offline   Reply With Quote
Old 01-11-2013, 07:44 AM   #17
Rugbyfan's Avatar
Registered Users
Join Date: Jan 2011
Location: Pennsylvania
Posts: 406
I've tried envelopes before and failed but I finally have DH on board so we should do better. I found a really east template online to make these:

Click image for larger version

Name:	image-239428570.jpg
Views:	52
Size:	45.3 KB
ID:	129838

I used thick paper I had, almost card stock and the are holding up much better than the regular envelopes I was using. (Plus they're pretty!)
Rugbyfan is offline   Reply With Quote
Old 01-11-2013, 12:22 PM   #18
Mheagan's Avatar
Registered Users
Join Date: Dec 2012
Posts: 339
My Mood:
Re: can you share your envelope system!

I'm really interested in getting into an envelope system. I actually have the Dave Ramsay book, and the "Envelopes". Question though. How does everyone deal with bills that automatically come out of the bank acount (ie car payment, mortgage, student loans etc)?

Should I just figure out how much exactly will be 'left over' then take that amount of $$ out to budget ?
Mheagan is offline   Reply With Quote
Old 01-11-2013, 01:08 PM   #19
armywife2002's Avatar
Registered Users
Join Date: Apr 2007
Location: San Antonio, TX
Posts: 3,950
Re: can you share your envelope system!

can you share the template?
single, working, student mama to Tristan born 10/1/07
On my way to becoming an ASL interpreter

Want to earn gift cards searching the net? Click HERE to join Swagbucks!
armywife2002 is offline   Reply With Quote
Old 01-11-2013, 01:16 PM   #20
joeslittlewoman's Avatar
Registered Users
Join Date: Feb 2011
Location: Oklahoma
Posts: 3,925
Our envelopes are filled weekly, and are fairly generous for our family of 5.5. The goal is to stair step most categories down over time.

-Fun money $30
-Gro $130
-Household/toiletries $20
-Restaurants $75
-Entertainment $10
-Child care $15 (I pay the teen $15/week to watch the kids for 1hour for 4 days while I clean)
-dry cleaning $30
-casual clothes $10
-hair $10
-car maintenance $10

We auto draft the bills. We pay at the pump for gas (goal is $100/week). I am starting several sinking funds that will stay in savings (suit replacement, car replacement, home improvements, gifts/parties, etc).

Our "envelopes" are actually just the plastic mini-accordion binders you can find in Wal-mart or target for a dollar. I did splurge on a $4 binder last week. It was pretty and made a bit sturdier. (Though the cheapies will last for years).

Eta: hubby's income is irregular. So I usually keep a few hundred extra in the account. When/if the excess is forecasted to stay over $2-300, I will transfer anything over that amount to savings. I did set direct deposit up to send the first $x to checking and the remaining to savings, but occasionally he gets a bonus check, or his paycheck will dip below that $x, so the cushion minimizes the transfers I have to make.
Wife to Joe. Proud, tired mommy to Captain Destructive (6/09), Sir Screams-a-lot (8/10), and another little miracle due 3/13.
Trusting God brings life. Believing brings rest.

Last edited by joeslittlewoman; 01-11-2013 at 01:21 PM.
joeslittlewoman is offline   Reply With Quote

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Copyright 2005 - 2014 Escalate Media. All Rights Reserved.